Buy To Let

Buy to Let – Mortgages from Caboodle

Buy to let mortgages are designed to help people invest in property. They are a specialist type of mortgage not offered by every bank, building society or lender. A Buy to Let mortgage is not available on your residential home and will generally require a larger deposit than a standard residential mortgage.

Interest rates can be slightly higher too when compared to a traditional mortgage and you will need to demonstrate to the lender that the rental income received will cover the interest/mortgage payments, sometimes with extra to spare.

You will find a selection of the best Buy to Let mortgage deals currently available in the market on our “Best Buy” Tables. You can also use our basic “Mortgage Finder” tool to personalise your search.

Some lenders may allow you to use personal income to make up any shortfall so whether you are an experienced landlord with a portfolio of Buy to Let properties or you are buying a property to let for the first time, it`s worth talking to one of our Buy to Let experts to find the best deal.

Reasons why people invest in Buy to Let

Buy to Let can often provide a better return than the low rates currently available on savings and deposit accounts

Buy to Let is a fairly straightforward way to invest in property, which has historically provided excellent returns

Working patterns and relationship breakdowns have increased the number of tenants looking for short term lets

Other considerations when investing in Buy to Let property

There may be periods of rental void which will need to be covered or prepared for

Interest rates may change which could affect the mortgage payments

Property prices may fall as well as rise

Why use Caboodle…

Access to Leading Technology

Whole of Market

Buy to Let Mortgage Experts

Face to Face or Telephone Service

No Obligation Consultation

Simple, Speedy & Hassle Free Service

We have access to some of the industry leading technology to help us search the whole Buy to Let mortgage market for you, saving you the time and hassle.

Our Buy to Let mortgage experts have worked in the industry for many years and will work closely with you to find the best Buy to Let mortgage for your situation.

You can arrange for a Buy to Let expert to visit you in person or simply pick up the phone and talk to one direct. Either way you’ll get a professional and friendly service.

Your initial consultation is free and you are under no obligation to proceed with any Buy to Let mortgage Caboodle recommend.

Caboodle can usually help no matter what your circumstances. Even if you have limited income, are retired, have debts to clear or perhaps you have a less than perfect credit history – we will search the market to find the best solution.

We provide a simple, speedy and hassle free service. We’ll take care of all the paperwork and process your Buy to Let application from start to finish, dealing with the lenders and solicitors on your behalf.

Whether you are new to Buy to Let, interested in letting your existing property to buy another, or you are looking for a better Buy to Let deal on your existing property, Caboodle can help you find the best Buy to Let mortgage. Call today on 0800 151 2407 or 0121 308 9114 to speak to an adviser. Alternatively complete the online enquiry form and an adviser will call you back.

Some of the Top Tips for Buy to Let have been summarised for you and a Buy to Let Guide is available for further information.

We can often arrange face-to-face appointments in Mere Green, Four Oaks, Sutton Coldfield, Lichfield, Tamworth, Burton, Birmingham, Walsall, West Bromwich and many other surrounding areas of Staffordshire and the West Midlands. Alternatively we can make arrangements for you to visit our offices to discuss your requirements in more detail.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME TYPES OF BUY TO LET AND INVESTMENT MORTGAGES.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
CONSOLIDATING DEBTS MAY INCREASE THE TERM AND TOTAL AMOUNT PAYABLE.

Your initial consultation is free and you are under no obligation to proceed with a mortgage we recommend. There will be a fee for mortgage advice. The exact fee will depend on your circumstances and may be reduced depending on the loan amount and any commission we receive from the lender. It is estimated that the fee will be £595, but it may range from £495 to 1% of the amount you borrow. The fee is only payable on completion and can normally be added to the mortgage. This will be discussed and agreed with you before you make an application. Please ask for a personalised illustration.

Secured loan rates from 3.95% APRC, although we have plans available up to 29.9% APRC which allow us to assist customers with the most severe credit problems. The overall cost for comparison is 7.65% APRC.
For secured loans a broker fee up to 10% of the loan amount borrowed may be payable on successful completion. A lender fee may also apply. The actual APRC available will depend on your circumstances. All loans are subject to status. Please ask for a personalised illustration.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Caboodle Financial Services Ltd, registered in England at SQ2 House, 240b Lichfield Road, Four Oaks, Sutton Coldfield, West Midlands B74 2UD (number 08044670).
Caboodle Financial Services Ltd is an appointed representative of PRIMIS Mortgage Network (PRIMIS), a trading name of Advance Mortgage Funding Ltd which is authorised and regulated by the Financial Conduct Authority. PRIMIS is only responsible for the service and quality of advice provided to you in relation to mortgages, protection insurance and general insurance products. Any other product or service offered by Caboodle Financial Services Ltd may not be the responsibility of PRIMIS and may also not be subject to regulation by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let.